Peter Pru Podcast Show

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=pod&utm_id=social🎓 Free 6-part options course: 👉 https://optionsellersschool.com/free-course/SPMO is up 28.5% this year while VOO is up 11 — a 17-point gap from the same pool of S&P 500 stocks, and the same reason that gap exists is the exact reason it can unwind fast when leadership rotates and the fund can't move for six months. This video runs the honest numbers: the 10-year outperformance is real, the $225,000 gap on $100K is real, and so is the 1.35 beta and 47% more volatility that comes with...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=yt&utm_id=social🎓 Free 6-part options course: 👉 https://optionsellersschool.com/free-course/SCHD yields under 3% and in 2026 it's up 29% on total return — beating both OVL and GPIX, which are paying 8% or more in income, and that's not a coincidence, it's the whole point of understanding what each fund is actually built to do. This video breaks down the real structural difference between a covered call overlay, a put spread overlay, and straight dividend equity — and why OVL's 1% SEC yield versus its 8-10% distribution headline is the nu...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=yt&utm_id=social🎓 Free 6-part options course: 👉 https://optionsellersschool.com/free-course/Fidelity has two index funds that charge exactly 0% — and when you spread $10,000 across all four of their best index funds, your total annual fee is less than a dollar and a half. This video breaks down why the free funds are compelling, why the $1.50 difference between 0% and 0.015% is essentially meaningless over 10 years, and the one catch almost nobody mentions — FZROX and FZILX can't be transferred to another brokerage without selling first, which in a taxable...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=yt&utm_id=social🎓 Free 6-part options course: 👉 https://optionsellersschool.com/free-course/The 4% rule says $2 million gives you $80,000 a year — but I need $120,000, and a 6% withdrawal rate over a 40-year retirement carries real depletion risk that most early retirement plans don't account for. This video breaks down why the math only works if the portfolio generates the income rather than slowly gets emptied, and the three things most early retirement plans completely miss — the healthcare gap before Medicare, the five-year penalty window before the Rule of 55 kic...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=pod&utm_id=social🎓 Free 6-part options course: 👉 https://optionsellersschool.com/free-course/SCHD's Q3 dividend just landed at 26 cents a share, and through three quarters of 2026 the dividend growth rate is under 1% — not the 8% most holders were expecting. This video breaks down what actually happened, why the Q3 number improved from Q2, and why December 9th is the date that matters most right now for understanding whether this is a one-year blip or something worth paying closer attention to. The fund isn't broken — but 2026 is a remi...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=pod&utm_id=social🎓 Free 6-part options course: 👉 https://optionsellersschool.com/free-course/SPMO's September reconstitution just removed Nvidia — up over 30% in the past year — and replaced it with Apple, and if that sounds backwards, this video explains exactly why it isn't. The fund doesn't care about analyst upgrades or your feelings about a stock, it just follows a 12-month trailing momentum score, and when Nvidia no longer ranked at the top of that scorecard, the process took it out with zero emotion. The real risks here ar...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=yt&utm_id=social🎓 Free 6-part options course: 👉 https://optionsellersschool.com/free-course/OVL shows a distribution yield of 8-10% but the fund's actual 30-day SEC yield is 1% — and that gap isn't a scam, it's a structure, but it means something very specific about what you're actually buying. Most OVL content treats it like a covered call fund, which it isn't — it runs a put spread overlay that keeps full upside participation but adds amplified downside in bad markets, the exact opposite of what most people want f...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=yt&utm_id=social🎓 Free 6-part options course: 👉 https://optionsellersschool.com/free-course/$100K in VGT 10 years ago is worth roughly $882K today — the same $100K in SCHG is worth about $540K, a $340K gap from two funds that move together 85-94% of the time. This video runs the full comparison, including the number most people skip: over the complete 17-year window since SCHG launched, SCHG actually outperformed VGT, because tech concentration isn't always the winning bet. VGT is a pure tech bet that wins when tech l...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=yt&utm_id=social🎓 Free 6-part options course: 👉 https://optionsellersschool.com/free-course/There's a specific portfolio size where your contributions almost stop mattering — not because saving is wrong, but because the portfolio is growing faster than you can feed it. This video breaks down the crossover point, the exact math behind when that flip happens, and why crossing it changes your entire job from adding more to protecting what's already compounding. The most expensive mistake people make at $500K isn't their savings rate — it's still thinkin...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=yt&utm_id=social🎓 Free 6-part options course: 👉 https://optionsellersschool.com/free-course/SPYI's parent company just got acquired by Goldman Sachs for up to $2.25 billion — the same Goldman that already runs GPIX, a fund doing nearly the same thing at a lower fee. This video breaks down all three S&P 500 covered call income funds side by side, why OVL's 1% SEC yield versus its 8-10% distribution headline is the number every retiree should understand before buying it, and how the Goldman integration changes the calculus for...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=yt&utm_id=social🎓 Free 6-part options course: 👉 https://optionsellersschool.com/free-course/5,500 shares of SCHD is $192,000 in one ETF — and at that level the income math stops being theoretical and starts being real. This video breaks down exactly what that position produces in dividend income, what the qualified dividend tax treatment means for what you actually keep, and what layering covered calls on 55 contracts adds on top when the setup is right. Combined, the two streams approach $19,000 a year from a single holding without selling...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=pod&utm_id=social🎓 Free 6-part options course: 👉 https://optionsellersschool.com/free-course/The median American between 35 and 44 has a net worth of $135,000 — and that number is not a judgment, it's a warning, because it means most people at 40 are one bad year away from real financial stress. This video breaks down the five milestones that actually separate people who turn out okay from the ones who don't — and none of them are just savings numbers. Zero high-interest debt, a real cash buffer, retirement accounts getting f...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=pod&utm_id=social🎓 Free 6-part options course: 👉 https://optionsellersschool.com/free-course/TQQQ's options premiums are some of the fattest you'll find — but most of the income content out there completely skips the one thing about this fund that changes the assignment math entirely. This video breaks down why the wheel strategy works on quality dividend stocks and completely falls apart on a 3x leveraged ETF with volatility decay built into its structure, no dividend to reduce your cost basis while you wait, and a covered ca...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=pod&utm_id=social🎓 Free 6-part options course: 👉 https://optionsellersschool.com/free-course/SCHD is up 29%, the yield has compressed to 3%, and the 30-year Treasury is paying 5.27% risk-free — so the bears have a point, and I'm not going to pretend they don't. But the whole Treasury comparison falls apart the moment you remember that SCHD's dividend has historically grown at over 8% per year and a Treasury doesn't. The number I'm actually watching right now is the Q3 distribution on September 23rd — because if dividend growth comes in fl...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=yt&utm_id=social🎓 Free 6-part options course: 👉 https://optionsellersschool.com/free-course/Not all monthly dividend ETFs are doing the same thing — some generate income from equity-linked notes, some from index options, some from active stock selection, and some are just returning your own capital while calling it yield, and the headline yield number tells you almost nothing about which category you're in. This video ranks 12 of the most widely held monthly payers across four criteria that actually matter — yield, one-year total return, expense ratio, and...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=pod&utm_id=social🚨Get Trade Ideas & Market Updates: 👉 https://theweeklywheel.beehiiv.com/Most retirement plans optimize for portfolio value at a single point in time — but this video breaks down a 15-year plan built around four simultaneous income streams that grow regardless of what the market does: SCHD dividend growth compounding toward 28,000 shares, a Roth IRA income floor of JEPI and JEPQ compounding tax-free toward $5,000 to $7,000 per month in distributions, a SPY and QQQ covered call paycheck that activates in retirement when the cost basis g...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=pod&utm_id=social🚨Get Trade Ideas & Market Updates: 👉 https://theweeklywheel.beehiiv.com/There are individual stocks that beat SCHD over the past decade — but the honest version of that story is that two of the three most obvious ones, Broadcom and Texas Instruments, were already inside the broad dividend ETFs the entire time, and the third one, JP Morgan, is the stock SCHD specifically excludes. This video breaks down all three, why TXN at 5.9% of SCHD is one of the specific drivers of SCHD's 27% ye...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=yt&utm_id=social🚨Get Trade Ideas & Market Updates: 👉 https://theweeklywheel.beehiiv.com/2,000 shares of SCHD is not just a milestone number — it is the point where the position stops being something you are building toward and starts actively participating in your monthly financial life, unlocking 20 covered call contracts and a combined blended income of around $575 per month from dividends and occasional covered calls timed to the upper Bollinger Band. This video breaks down exactly what 2,000 shares produces today versus 10 years from now with reinvestmen...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=pod&utm_id=social🚨Get Trade Ideas & Market Updates: 👉 https://theweeklywheel.beehiiv.com/Three semiconductor ETFs covering essentially the same sector — but with very different concentrations, costs, and use cases — and the Motley Fool's conclusion is that SOXX actually has the hardest investment case to make of the three once you realize SOXQ offers nearly identical exposure at half the management cost. This video breaks down the honest scorecard across all three: SMH for maximum AI mega-cap concentration with TSMC and ASML included, SOXQ for the most...

🖥️ Register For A Workshop + Free Calculators & Watchlist: 👉 https://onlypeterpru.com/ark-options-workshop?utm_source=pod&utm_id=social🚨Get Trade Ideas & Market Updates: 👉 https://theweeklywheel.beehiiv.com/VYM is beating VIG in every timeframe that matters right now except one — and that one exception is the 10-year total return race, where VIG wins by 1.5 percentage points while VYM wins on current yield, recent three and five year performance, lower volatility, and more holdings. This video runs the full $100,000 math at both funds' 10-year annualized returns and lands on a result most comparison articles never show: VIG produces $42,000 more in portfoli...